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Equity to Asset ratio is calculated as total stockholders equity divided by total asset. UniCredit Bank DD's Total Stockholders Equity for the quarter that ended in Dec. 2025 was BAM1,217.3 Mil. UniCredit Bank DD's Total Assets for the quarter that ended in Dec. 2025 was BAM8,749.2 Mil.
Therefore, UniCredit Bank DD's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.14.
The historical rank and industry rank for UniCredit Bank DD's Equity-to-Asset or its related term are showing as below:
XBLB:NBLB-R-B'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.13 Max: 0.15
Current: 0.14
During the past 13 years, the highest Equity to Asset Ratio of UniCredit Bank DD was 0.15. The lowest was 0.12. And the median was 0.13.
XBLB:NBLB-R-B's Equity-to-Asset is not ranked
in the Banks industry.
Industry Median: 0.1
vs XBLB:NBLB-R-B: 0.14
UniCredit Bank DD (XBLB:NBLB-R-B) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
UniCredit Bank DD Equity-to-Asset Related Terms
UniCredit Bank DD Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XBLB:NBLB-R-B vs PNC, USB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, UniCredit Bank DD's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UniCredit Bank DD Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
UniCredit Bank DD's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UniCredit Bank DD (XBLB:NBLB-R-B) has a Equity-to-Asset of 0.14 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on UniCredit Bank DD and its competitors. This is near median its historical median of 0.13. Over the past decade, UniCredit Bank DD's Equity-to-Asset has ranged from 0.12 to 0.15.
Is UniCredit Bank DD's Equity-to-Asset too high?
UniCredit Bank DD's current Equity-to-Asset of 0.14 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. UniCredit Bank DD's value of 0.14 is 40% above this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's Equity-to-Asset compare to PNC and USB?
UniCredit Bank DD's Equity-to-Asset of 0.14 can be compared against companies in the Banks industry. The industry median Equity-to-Asset is 0.10. UniCredit Bank DD's value of 0.14 is 40% above this benchmark. Historically, UniCredit Bank DD's own Equity-to-Asset has ranged from 0.12 to 0.15 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, UniCredit Bank DD has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UniCredit Bank DD's current Equity-to-Asset of 0.14 is 40% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on UniCredit Bank DD and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCredit Bank DD's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current Equity-to-Asset of 0.14. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.13 and 40% above the Banks industry median of 0.10. UniCredit Bank DD's overall GF Score™ is 4/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For UniCredit Bank DD (XBLB:NBLB-R-B), the current Equity-to-Asset is 0.14 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.13)
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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